Payment method and system through generation of one-time payment-only number of real card linked with application

ABSTRACT

Provided are a payment method and system through generation of a one-time payment-only number of a real card linked with an application, wherein in order to make payment safely by generating a one-time payment-only number every payment without leaving card information of a user in a provider&#39;s payment terminal or by using the generated one-time payment-only number, when a real card is linked with an application installed on a user terminal and the payment terminal recognizes the real card, a user signature input window, and transaction information about payment performed with a one-time payment-only number generated by a card company server are displayed on a screen of the application of the user terminal, and payment is performed when a signature of the user is input to the signature input window.

CROSS REFERENCE TO RELATED APPLICATION

The present application claims priority to Korean Patent Application No.10-2021-0106716, filed Aug. 12, 2021, the entire contents of which isincorporated herein for all purposes by this reference.

BACKGROUND OF THE INVENTION Field of the Invention

The present disclosure relates to a payment method and system throughgeneration of a one-time payment-only number of a real card linked withan application. In particular, the present disclosure relates to apayment method and system through generation of a one-time payment-onlynumber of a real card linked with an application, wherein in order tomake payment safely by generating a one-time payment-only number everypayment without leaving card information of a user in a provider'spayment terminal (for example, a POS terminal), when a real card islinked with an application installed on a user terminal, such as asmartphone, and the payment terminal recognizes the real card, a usersignature input window, and transaction information about paymentperformed with a one-time payment-only number generated by a cardcompany server are displayed on a screen of the application of the userterminal, payment is performed when a signature of the user is input tothe signature input window, the linked real card is used for paymentonly with the one-time payment-only number generated by the application,the one-time payment-only number is used again every payment, and it isimpossible to perform payment outside the application.

Description of the Related Art

In general, many of users who purchase products or services pay purchaseprices using real cards such as credit cards or check cards. Herein, thetransaction method is that the user makes card payment using a realcard, such as a credit card or a check card, at a payment terminal (POSterminal) in an offline store of a provider. The procedure is asfollows. The user swipes a real card for payment through, touches it to,or inserts it into a reader of the payment terminal to transmit a realcard number to the payment terminal. The payment terminal transmits thecard number and transaction information (a payment amount, an affiliatedstore name of a provider) to a VAN (value-added network=enhancedservice=value-added data service) company server to request paymentapproval. The VAN company server transmits the card number and thetransaction information to a card company server to request paymentapproval for the transaction. The card company server checks the cardnumber and the transaction information and gives notification of paymentapproval to the payment terminal via the VAN company server, therebycompleting payment. However, the credit card that the user has lost orthat has been stolen may be used by someone else for payment.Alternatively, card information, such as a card number, an expirationdate, and a CVC number, may be stolen by someone to make an illegalpayment at some online sites where payment can be made withoutpasswords. The total amount of global credit card fraud caused by suchcredit card theft reached about 33 trillion won (Bank of Koreanstatistics) in 2018.

In the related art, to solve a problem of such credit card theft, thereis Korean Patent No. 10-1330943 (registration date: 12 Nov. 2013),titled “PAYMENT METHOD USING ONE-TIME CARD INFORMATION”, wherein asshown in FIG. 1, a payment device (=user terminal) uses an applicationto be issued with a one-time payment-only number from a card companyserver and make payment. In the related art, however, if someone hacksor steals user's one-time card information (=card number) or real cardnumber and uses it for an illegal payment, the user recognizes thisafter the theft case occurs. Therefore, the occurrence of the casecannot be prevented in advance, and the payment price is paid within apayment limit. Thus, even when the provider accidentally orintentionally inputs an excessive payment amount, the user may not beaware of this in advance and the payment may be approved. In addition,in the process of performing payment, rather than touching the real cardto the payment terminal or inserting the real card into the paymentterminal, which is familiar to the provider, the payment method usingonly the payment device (=user terminal) may cause confusion andinconvenience to the provider and the user, resulting in payment delay.

The foregoing is intended merely to aid in the understanding of thebackground of the present disclosure, and is not intended to mean thatthe present disclosure falls within the purview of the related art thatis already known to those skilled in the art.

DOCUMENT OF RELATED ART

(Patent Document 1) Korean Patent No. 10-1330943 (registration date: 12Nov. 2013) “PAYMENT METHOD USING ONE-TIME CARD INFORMATION”.

SUMMARY OF THE INVENTION

The present disclosure is directed to maximize user convenience andfinancial safety by introducing an innovative payment method having theadvantages as follows: maintaining a familiar card payment method inwhich a user touches a real card to a payment terminal of a provider orinserts the real card into the payment terminal in an offline store;generating and using a one-time payment-only number through an exclusiveapplication installed on a user terminal to prevent a real card numberfrom being exposed, thereby enhancing security of personal information.In addition, in order to solve a problem that when a real card or a realcard number is stolen and used by someone, a user recognizes the factthrough a payment notification SMS message after the theft case, thatis, after payment is already completed, the present disclosure isdirected to providing a payment method and system through generation ofa one-time payment-only number of a real card linked with anapplication, wherein a user terminal is linked with a real card so thatthe user is able to confirm the transaction information (a paymentamount, a payment item, and an affiliated store name of a provider)about for all payment approval signature requests related to the realcard that the user owns, in advance through the user terminal and writesthe signature to determine whether to approve payment by the userpersonally, and the user owns a real synchronization card linked withthe application from the time of initial issuance and conveniently makespayment in the payment terminal in the same manner as with a real card.

According to the present disclosure, there is provided a payment methodthrough generation of a one-time payment-only number of a real cardlinked with an application, the payment method including: inputting realcard information, such as a real card number, of a user to theapplication installed on a user terminal, and transmitting the real cardinformation from the application to a card company server to completesetting of a link between the application of the user terminal and thereal card; inputting transaction information, such as a payment amountfor the product or the service that the user purchases from a provider,to a payment terminal; recognizing the real card of the user by thepayment terminal, and transmitting the real card number from the realcard to the payment terminal; transmitting the transaction informationfrom the payment terminal to a VAN company server, and making a requestfor transaction approval from the payment terminal to the VAN companyserver; making a request for generation of the one-time payment-onlynumber from the application to the card company server; generating, bythe card company server, the one-time payment-only number that is usedfor transaction approval with respect to the real card number and thetransaction information; transmitting the one-time payment-only numberfrom the card company server to the application; transmitting thetransaction information from the VAN company server to the applicationof the user terminal, making a request to the user for confirmation anda signature, and displaying the transaction information and a signatureinput window to the user through the application of the user terminal;inputting the signature of the user to the signature input window of theapplication of the user terminal; transmitting the signature of the userfrom the application of the user terminal to the VAN company server;transmitting the transaction information and the signature of the userfrom the VAN company server to the card company server, and making arequest for transaction approval from the VAN company server to the cardcompany server; transmitting an approval number from the card companyserver to the VAN company server when the card company server approvestransaction, and giving notification of transaction approval from thecard company server to the VAN company server; giving notification ofpayment completion from the VAN company server to the application of theuser terminal, and outputting a transaction receipt screen to the userterminal; transmitting the one-time payment-only number and the approvalnumber from the VAN company server to the payment terminal, and givingnotification of transaction approval from the VAN company server to thepayment terminal; and outputting a transaction receipt to be provided tothe user from the payment terminal.

According to the present disclosure, the payment method and systemthrough generation of a one-time payment-only number of a real cardlinked with an application may have effects as follows. First, byadopting a method in which a user touches a real card to a paymentterminal of a provider or inserts the real card into the paymentterminal in an offline store in the same manner as in the related art,the payment method and system are convenient for both the provider andthe user to use. Second, the one-time payment-only number is generatedusing an exclusive application installed on the user terminal and isused, so that the real card number can be prevented from being exposedto the outside as much as possible and security of personal informationcan be enhanced. Third, in order to solve the problem that when a realcard or a real card number is stolen and is used by someone, the userrecognizes the fact through a payment notification SMS message after thetheft case, that is, after payment is already completed, the userterminal is linked with the real card so that the user can confirm thetransaction information (a payment amount, a payment item, and anaffiliated store name of a provider) about all payment requests relatedto the real card that the user owns, in advance through the userterminal and writes the signature to determine whether to approvepayment by the user personally, thereby recognizing illegal card theftattempts in advance and blocking the same. Fourth, the user can own areal synchronization card linked with the application from the time ofinitial issuance and can conveniently make payment in the paymentterminal in the same manner as with a real card. Fifth, the cardregistered in the application can be temporarily suspended andtransaction can be conducted only with the linked application and theone-time payment-only number. When handwriting input of the card numberis required, transaction can be conducted by inputting the one-timetransaction number, so that even when the issued card is leaked to theoutside, it is impossible to use the card outside, thereby preventingtheft and enhancing security.

BRIEF DESCRIPTION OF THE DRAWINGS

The above and other objectives, features, and other advantages of thepresent disclosure will be more clearly understood from the followingdetailed description when taken in conjunction with the accompanyingdrawings, in which:

FIG. 1 is a flowchart illustrating a payment method using one-time cardinformation in the related art;

FIG. 2 is a flowchart illustrating a case in which there is only a cardcompany server, in a payment method through generation of a one-timepayment-only number of a real card linked with an application, accordingto an embodiment of the present disclosure;

FIG. 3 is a flowchart illustrating a case in which there are a cardcompany server and a security server, in a payment method throughgeneration of a one-time payment-only number of a real card linked withan application, according to an embodiment of the present disclosure;

FIG. 4 is a flowchart illustrating a case in which there are a cardcompany server and a VAN company server, in a payment method throughgeneration of a one-time payment-only number of a real card linked withan application, according to an embodiment of the present disclosure;

FIG. 5 is a flowchart illustrating a case in which a limit amount is setwhen a one-time payment-only number is initially generated and there isonly a card company server, in a payment method through generation of aone-time payment-only number of a real card linked with an application,according to an embodiment of the present disclosure;

FIG. 6 is a flowchart illustrating a case in which a limit amount is setwhen a one-time payment-only number is initially generated and there area card company server and a security server, in a payment method throughgeneration of a one-time payment-only number of a real card linked withan application, according to an embodiment of the present disclosure;

FIG. 7 is a flowchart illustrating a case in which a limit amount is setwhen a one-time payment-only number is initially generated and there area card company server and a VAN company server, in a payment methodthrough generation of a one-time payment-only number of a real cardlinked with an application, according to an embodiment of the presentdisclosure;

FIG. 8 is a flowchart illustrating a case in which a limit amount is setwhen a user writes a transaction information confirmation signature andthere is only a card company server, in a payment method throughgeneration of a one-time payment-only number of a real card linked withan application, according to an embodiment of the present disclosure;

FIG. 9 is a flowchart illustrating a case in which a limit amount is setwhen a user writes a transaction information confirmation signature andthere are a card company server and a security server, in a paymentmethod through generation of a one-time payment-only number of a realcard linked with an application, according to an embodiment of thepresent disclosure;

FIG. 10 is a flowchart illustrating a case in which a limit amount isset when a user writes a transaction information confirmation signatureand there are a card company server and a VAN company server, in apayment method through generation of a one-time payment-only number of areal card linked with an application, according to an embodiment of thepresent disclosure;

FIG. 11 is an exemplary diagram illustrating a step of recognizing areal card by a payment terminal, in a payment method through generationof a one-time payment-only number of a real card linked with anapplication, according to an embodiment of the present disclosure;

FIG. 12 is an exemplary diagram illustrating a user signature inputwindow of a display screen of an application of a user terminal, in apayment method through generation of a one-time payment-only number of areal card linked with an application, according to an embodiment of thepresent disclosure;

FIG. 13 is an exemplary diagram illustrating a payment completionreceipt of a display screen of an application of a user terminal, in apayment method through generation of a one-time payment-only number of areal card linked with an application, according to an embodiment of thepresent disclosure;

FIG. 14 is an exemplary diagram illustrating a receipt output from apayment terminal, in a payment method through generation of a one-timepayment-only number of a real card linked with an application, accordingto an embodiment of the present disclosure;

FIG. 15 is an exemplary diagram illustrating an actual screen for aprocess of registering a real card in an application of a user terminal,in a payment method through generation of a one-time payment-only numberof a real card linked with an application, according to an embodiment ofthe present disclosure;

FIG. 16 is an exemplary diagram illustrating an actual screen for aprocess of activating or deactivating transaction approval signatureinput setting in an application of a user terminal, in a payment methodthrough generation of a one-time payment-only number of a real cardlinked with an application, according to an embodiment of the presentdisclosure;

FIG. 17 is a flowchart illustrating a case in which payment is performedwith only a simplified request to a card company server, in a paymentmethod through generation of a one-time payment-only number of a realcard linked with an application, according to an embodiment of thepresent disclosure;

FIG. 18 is a flowchart illustrating a case in which there are a cardcompany server and a VAN company server and a user signature istransmitted to a card company server,

FIG. 19 is a flowchart illustrating a case in which a limit amount isset when a one-time payment-only number is initially generated,

FIG. 20 is a flowchart illustrating a case in which a limit amount isset when a user writes a transaction information confirmation signature,

FIG. 21 is a flowchart illustrating a case in which there is only a cardcompany server and an application generates a one-time transactionnumber,

FIG. 22 is a flowchart illustrating a case in which there are a cardcompany server and a security server and an application generates aone-time transaction number,

FIG. 23 is a flowchart illustrating a case in which there are a cardcompany server and a VAN company server and an application generates aone-time transaction number,

FIG. 24 is an exemplary diagram illustrating a signature input window,

FIG. 25 is a block diagram illustrating a configuration of a userterminal of a payment system through generation of a one-timepayment-only number of a real card linked with an application,

FIG. 26 is a block diagram illustrating a configuration of a paymentterminal of a payment system through generation of a one-timepayment-only number of a real card linked with an application,

FIG. 27 is a block diagram illustrating a configuration of a cardcompany server of a payment system through generation of a one-timepayment-only number of a real card linked with an application,

FIG. 28 is a block diagram illustrating a configuration of a securityserver of a payment system through generation of a one-time payment-onlynumber of a real card linked with an application,

FIG. 29 is a block diagram illustrating a configuration of a VAN companyserver of a payment system through generation of a one-time payment-onlynumber of a real card linked with an application,

FIG. 30 is a block diagram illustrating a configuration in a case inwhich there is only a card company server of a payment system throughgeneration of a one-time payment-only number of a real card linked withan application,

FIG. 31 is a block diagram illustrating a configuration in a case inwhich there is a security server of a payment system through generationof a one-time payment-only number of a real card linked with anapplication,

FIG. 32 is a block diagram illustrating a configuration in a case inwhich there is a VAN company server of a payment system throughgeneration of a one-time payment-only number of a real card linked withan application,

FIG. 33 is a block diagram illustrating a configuration in a case inwhich there is a VAN company server of a payment system throughgeneration of a one-time payment-only number of a real card linked withan application, according to an embodiment of the present disclosure.

DETAILED DESCRIPTION OF THE INVENTION

The accompanying drawings and the content shown in the drawingsillustrating exemplary embodiments of the present disclosure should bereferred to in order to fully understand the present disclosure,operational advantages of the present disclosure, and the objectivesachieved by implementation of the present disclosure. Hereinafter,exemplary embodiments of the present disclosure will be described withreference to the accompanying drawings to describe the presentdisclosure in detail.

According to a first embodiment of the present disclosure, there isprovided a payment method through generation of a one-time payment-onlynumber of a real card linked with an application, as shown in FIG. 2,the payment method including: inputting real card information, such as areal card number, of a user to the application installed on a userterminal, and transmitting the real card information from theapplication to a card company server to complete setting of a linkbetween the application of the user terminal and the real card;inputting transaction information, such as a payment amount for theproduct or the service that the user purchases from a provider, to apayment terminal; recognizing the real card of the user by the paymentterminal, and transmitting the real card number from the real card tothe payment terminal; transmitting the real card number and thetransaction information from the payment terminal to the card companyserver, and making a request for transaction approval from the paymentterminal to the card company server; generating, by the card companyserver, the one-time payment-only number that is used for transactionapproval with respect to the real card number and the transactioninformation; transmitting the transaction information from the cardcompany server to the application of the user terminal, making a requestto the user for confirmation and a signature, and displaying thetransaction information and a signature input window to the user throughthe application of the user terminal; inputting the signature of theuser to the signature input window of the application of the userterminal; transmitting the signature of the user from the application ofthe user terminal to the card company server; transmitting an approvalnumber and the one-time payment-only number from the card company serverto the application of the user terminal when the card company serverapproves transaction, giving notification of payment completion, andoutputting a transaction receipt screen to the user terminal;transmitting the one-time payment-only number and the approval numberfrom the card company server to the payment terminal, and givingnotification of transaction approval; and outputting a transactionreceipt to be provided to the user from the payment terminal.

According to a second embodiment of the present disclosure, there isprovided a payment method through generation of a one-time payment-onlynumber of a real card linked with an application, as shown in FIG. 3,the payment method including: inputting real card information, such as areal card number, of a user to the application installed on a userterminal, transmitting the real card information from the application toa security server, and transmitting the real card information from thesecurity server to a card company server to complete setting of a linkbetween the application of the user terminal and the real card;inputting transaction information, such as a payment amount for theproduct or the service that the user purchases from a provider, to apayment terminal; recognizing the real card of the user by the paymentterminal, and transmitting the real card number from the real card tothe payment terminal; transmitting the real card number and thetransaction information from the payment terminal to the card companyserver, and making a request for transaction approval from the paymentterminal to the card company server; transmitting the real card numberand the transaction information from the card company server to thesecurity server, and making a request for generation of the one-timepayment-only number; generating, by the security server, the one-timepayment-only number that is used for transaction approval with respectto the real card number and the transaction information; transmittingthe one-time payment-only number from the security server to the cardcompany server; transmitting the transaction information from the cardcompany server to the application of the user terminal, making a requestto the user for confirmation and a signature, and displaying thetransaction information and a signature input window to the user throughthe application of the user terminal; inputting the signature of theuser to the signature input window of the application of the userterminal; transmitting the signature of the user from the application ofthe user terminal to the card company server; approving transaction bythe card company server, transmitting an approval number from the cardcompany server to the application of the user terminal for notificationof payment completion, and outputting a transaction receipt screen tothe user terminal; transmitting the one-time payment-only number and theapproval number from the card company server to the payment terminal,and giving notification of transaction approval from the card companyserver to the payment terminal; and outputting a transaction receipt tobe provided to the user from the payment terminal.

According to a third embodiment of the present disclosure, there isprovided a payment method through generation of a one-time payment-onlynumber of a real card linked with an application, as shown in FIG. 4,the payment method including: inputting real card information, such as areal card number, of a user to the application installed on a userterminal, and transmitting the real card information from theapplication to a card company server to complete setting of a linkbetween the application of the user terminal and the real card;inputting transaction information, such as a payment amount for theproduct or the service that the user purchases from a provider, to apayment terminal; recognizing the real card of the user by the paymentterminal, and transmitting the real card number from the real card tothe payment terminal; transmitting the transaction information from thepayment terminal to a VAN company server, and making a request fortransaction approval from the payment terminal to the VAN companyserver; making a request for generation of the one-time payment-onlynumber from the application to the card company server; generating, bythe card company server, the one-time payment-only number that is usedfor transaction approval with respect to the real card number and thetransaction information; transmitting the one-time payment-only numberfrom the card company server to the application; transmitting thetransaction information from the VAN company server to the applicationof the user terminal, making a request to the user for confirmation anda signature, and displaying the transaction information and a signatureinput window to the user through the application of the user terminal;inputting the signature of the user to the signature input window of theapplication of the user terminal; transmitting the signature of the userfrom the application of the user terminal to the VAN company server;transmitting the transaction information and the signature of the userfrom the VAN company server to the card company server, and making arequest for transaction approval from the VAN company server to the cardcompany server; transmitting an approval number from the card companyserver to the VAN company server when the card company server approvestransaction, and giving notification of transaction approval from thecard company server to the VAN company server; giving notification ofpayment completion from the VAN company server to the application of theuser terminal, and outputting a transaction receipt screen to the userterminal; transmitting the one-time payment-only number and the approvalnumber from the VAN company server to the payment terminal, and givingnotification of transaction approval from the VAN company server to thepayment terminal; and outputting a transaction receipt to be provided tothe user from the payment terminal.

In the first, the second, and the third embodiment, the one-timepayment-only number may be generated by the application of the userterminal other than the card company server or the security server. Asshown in FIGS. 22 to 24, the one-time payment-only number generated bythe application is transmitted to the card company server or to thesecurity server to request authentication. The card company server orthe security server checks the received one-time payment-only number,shares the one-time payment-only number with the application, andauthenticates the one-time payment-only number so that the one-timepayment-only number is used for payment. The following payment processesare the same.

In the first, the second, and the third embodiment, the one-timepayment-only number may be generated as a one-time payment-only numberhaving a set limit amount in such a manner that the limit amount payableis set to be a payment amount for a product or a service that the userpurchases from the provider. There are two methods. First, the cardcompany server or the security server is set in advance such that thelimit is automatically set when the one-time payment-only number isinitially generated. Second, the card company server or the VAN companyserver receives a request that the limit is set when the user writes atransaction information confirmation signature. These will be describedin more detail as follows.

In the first method of setting the limit amount, whether to apply thesetting of the limit amount may be determined by the card company serveror by the security server in advance and may be automatically applied.In this case, in a payment performance method of a first embodiment inwhich a limit amount is set when a one-time payment-only number isinitially generated, as shown in FIG. 5, setting of a limit amount inthe card company server is applied in advance, and instead of a one-timepayment-only number, a one-time payment-only number having the set limitamount is generated and used.

In a payment performance method of a second embodiment in which a limitamount is set when a one-time payment-only number is initiallygenerated, as shown in FIG. 6, setting of a limit amount in the securityserver is applied in advance, and instead of a one-time payment-onlynumber, a one-time payment-only number having the set limit amount isgenerated and used.

In a payment performance method of a third embodiment in which a limitamount is set when a one-time payment-only number is initiallygenerated, as shown in FIG. 7, setting of a limit amount in the cardcompany server is applied in advance, and instead of a one-timepayment-only number, a one-time payment-only number having the set limitamount is generated and used.

In the second method of setting the limit amount, in the first, thesecond, and the third embodiment, at a step in which the user inputs theuser's signature to the signature input window of the application of theuser terminal in response to the request for the signature from the cardcompany server or the VAN company server, the user may request the cardcompany server to conduct transaction in which the limit amount ofpayment is set. In this case, in a first embodiment in which the usermakes a request at the signature step such that the transaction in whichthe limit amount of payment is set is conducted, as shown in FIG. 8,after the transmitting of the signature of the user from the applicationof the user terminal to the card company server, the following isperformed: the card company server generates a new one-time payment-onlynumber having the set limit amount, uses the same for transactionapproval, and transmits the approval number and the one-timepayment-only number having the set limit amount to the application ofthe user terminal to give notification of payment completion, and thetransaction receipt screen is output to the user terminal.

In a second embodiment in which the user makes a request at thesignature step such that the transaction in which the limit amount ofpayment is set is conducted, as shown in FIG. 9, after the transmittingof the signature of the user from the application of the user terminalto the card company server, the following are performed. The cardcompany server requests the security server to generate the one-timepayment-only number having the set limit amount. The security servergenerates the one-time payment-only number having the set limit amount.The security server transmits the one-time payment-only number havingthe set limit amount to the card company server. The card company serverapproves transaction afterward, and gives notification of paymentcompletion to the application of the user terminal, and the transactionreceipt screen is output to the user terminal. The one-time payment-onlynumber having the set limit amount and the approval number having theset limit amount are transmitted from the card company server to thepayment terminal, and the card company server gives notification oftransaction approval to the payment terminal. The transaction receipt tobe provided to the user is output from the payment terminal.

In a third embodiment in which the user makes a request at the signaturestep such that the transaction in which the limit amount of payment isset is conducted, as shown in FIG. 10, after the transmitting of thesignature of the user from the application of the user terminal to theVAN company server, the following are performed. The applicationrequests the card company server to generate the one-time payment-onlynumber having the set limit amount. The card company server generatesthe one-time payment-only number having the set limit amount. The cardcompany server transmits the one-time payment-only number having the setlimit amount to the application. The card company server approvestransaction, transmits the approval number having the set limit amountto the VAN company server, and gives notification of transactionapproval to the VAN company server. The VAN company server givesnotification of payment completion to the application of the userterminal, and the transaction receipt screen is output to the userterminal. The approval number having the set limit amount is transmittedfrom the VAN company server to the payment terminal, and the VAN companyserver gives notification of transaction approval to the paymentterminal. The transaction receipt to be provided to the user is outputfrom the payment terminal.

The size of the limit amount may be automatically set to be the sameamount each time as the amount in the transaction information that theprovider inputs to the payment terminal.

In addition, as shown in FIGS. 19 to 21, unlike the third embodiment inwhich the application transmits the user's signature to the VAN companyserver, there is a method of conducting transaction by transmitting theuser's signature directly to the card company server.

The first, the second, and the third embodiment will be described inmore detail as follows.

The real card may be a general credit card or check card.

The real card may be a real synchronization card that is formed to belinked with the application from the time of initial issuance.

The one-time payment-only number may be a one-time card number thatcontains 16 digits equal to the format of the real card number, orcontains the number of digits that is the sum of information and theformat of the real card number consisting of 16 digits or more or fewerdepending on the card company.

The one-time payment-only number may not be discarded from theapplication after payment is completed, and each time payment isperformed, the previously generated one-time payment-only number may bereused.

When the real card information is input to the application of the userterminal and is transmitted from the application to the card companyserver so that setting a link between the application of the userterminal and the real card is completed, the registered real card isghosted. This means that the registered real card enters a temporalsuspension state and is kept secure and payment is possible only withthe one-time payment-only number generated by the application of theuser terminal. It is impossible to use the ghosted real card with a cardnumber that is leaked before the card is registered in the applicationof the user terminal. Even if payment is attempted by inputting theleaked card number in a handwritten manner from the outside, the ghostedreal card is recognized as a card for which an accident is reported andit is thus unable to use the ghosted real card. Through this, damagecaused by hacking or illegal theft may be prevented and a more enhancedtransaction environment may be provided.

In addition, in a case in which the product or service that the providerprovides requires a tip fee, at the displaying of the transactioninformation and the signature input window to the user through theapplication of the user terminal, it may be set to output a tipselection window in addition to the signature input window on the screenof the application. When the tip selection window is set to be added,the tip selection window is output above the signature input window asshown in FIG. 25. As an example, options, 18%, 20%, 25%, and No tip, areshown, but may be changed by the setting of the application of the userterminal or by a request of the provider. When a desired amount of tipis selected and a signature is input, the signature of the user and tipsetting information are transmitted together at the transmitting of thesignature of the user from the application of the user terminal to thecard company server, or at the transmitting of the signature of the userfrom the application of the user terminal to the VAN company server. Inthe transaction information, the tip amount may be displayed beingdistinguished from the product or service price, and the transaction maybe conducted including the tip amount. Through this, the conventionalinconvenient process of checking a tip on a receipt, confirming the tipby a provider, and thus conducting payment two times is solved with onerequest for payment and a signature. This may solve the user's anxietydue to exposure of the card, and the provider's difficulty in accountingfor an amount received as a tip and in paying the amount.

When the user owns multiple real cards, the multiple different realcards of the user are set to be linked with the application of the userterminal. Among the multiple linked real cards, the user may choose anyreal card to be used for payment through the application.

The signature input window or the transaction receipt screen displayedto the user through the application of the user terminal may bedisplayed with an advertisement.

In addition, for handwriting input or reporting payment information tothe outside, the generated one-time payment-only number may be output onthe screen of the application of the user terminal, and the one-timetransaction number may be reported to the outside through the screen orthe transaction amount may be input in a handwritten manner so thattransaction is conducted.

As shown in FIG. 31, a payment system through generation of a one-timepayment-only number of a real card linked with an application accordingto a first embodiment, in a transaction method of paying a purchaseprice of a product or a service by using the real card, includes: apayment terminal to which a provider inputs transaction information,such as a payment amount, the payment terminal being configured totransmit the transaction information and a card number of the real cardto a card company server to make a request for transaction approval whenthe payment terminal recognizes the real card of a user, and receivenotification of transaction approval from the card company server tocomplete payment; the card company server configured to generate theone-time payment-only number when the request for transaction approvalis received from the payment terminal or authenticate and share theone-time payment-only number generated by the application of a userterminal, transmit the transaction information to the application of theuser terminal, make a request to the user for confirmation and asignature, and transmit notification of payment completion and oftransaction approval to the user terminal and the payment terminal whenthe signature of the user is received from the user terminal; and theuser terminal configured to display the transaction information and asignature input window to the user through the application when thetransaction information and the request for the signature are receivedfrom the card company server through the application linked with thecard company server, transmit the signature of the user to the cardcompany server through the application when the signature of the user isinput, and output a receipt to a screen through the application whennotification of payment completion is received from the card companyserver.

As shown in FIG. 32, a payment system through generation of a one-timepayment-only number of a real card linked with an application accordingto a second embodiment, in a transaction method of paying a purchaseprice of a product or a service by using the real card, includes: apayment terminal to which a provider inputs transaction information,such as a payment amount, the payment terminal being configured totransmit the transaction information and a card number of the real cardto a card company server to make a request for transaction approval whenthe payment terminal recognizes the real card of a user, and receivenotification of transaction approval from the card company server tocomplete payment; a security server configured to be linked with theapplication of a user terminal, receive the card number of the real cardand the transaction information from the card company server, berequested to generate the one-time payment-only number, generate theone-time payment-only number or authenticate and share the one-timepayment-only number generated by the application, and transmit theone-time payment-only number to the card company server; the cardcompany server configured to make a request to the security server forgeneration of the one-time payment-only number when the card number ofthe real card, the transaction information, and the request fortransaction approval are received from the payment terminal, transmitthe transaction information to the application of the user terminal whenthe one-time payment-only number is received from the security server,make a request to the user for confirmation and a signature, andtransmit an approval number and notification of payment completion andtransaction approval to the user terminal and the payment terminal whenthe signature of the user is received from the user terminal; and theuser terminal configured to display the transaction information and asignature input window to the user through the application when thetransaction information and the request for the signature are receivedfrom the card company server through the application linked with thesecurity server and the card company server, transmit the signature ofthe user to the card company server through the application when thesignature of the user is input, and output a receipt to a screen throughthe application when notification of payment completion is received fromthe card company server.

As shown in FIG. 33, a payment system through generation of a one-timepayment-only number of a real card linked with an application accordingto a third embodiment, in a transaction method of paying a purchaseprice of a product or a service by using the real card, includes: apayment terminal to which a provider inputs transaction information,such as a payment amount, the payment terminal being configured totransmit the transaction information to a VAN company server to make arequest for transaction approval when the payment terminal recognizesthe real card of a user, and receive notification of transactionapproval from the VAN company server to complete payment; the VANcompany server configured to transmit the transaction information to theapplication of the user terminal and make a request to the user forconfirmation and a signature when the transaction information and therequest for transaction approval are received from the payment terminal,transmit the transaction information and the signature of the user tothe card company server when the signature of the user is received fromthe user terminal, and transmit notification of payment completion tothe user terminal and the payment terminal when an approval number andnotification of transaction approval are received from the card companyserver; the card company server configured to generate and transmit theone-time payment-only number to the application when a request forgeneration of the one-time payment-only number is received from theapplication or authenticate and share the one-time payment-only numbergenerated by the application, and transmit the approval number to theVAN company server and give notification of transaction approval whenthe transaction information, the signature of the user, and the requestfor transaction approval are received from the VAN company server; andthe user terminal configured to make a request to the card companyserver for the one-time payment-only number through the application,display the transaction information and a signature input window to theuser through the application when the transaction information and therequest for the signature are received from the VAN company serverthrough the application, transmit the signature of the user to the VANcompany server through the application when the signature of the user isinput, and output a receipt to a screen through the application whennotification of payment completion is received from the VAN companyserver.

Each element of the payment system through generation of the one-timepayment-only number of the real card linked with the application will bedescribed in more detail as follows.

As shown in FIG. 26, the user terminal functioning as described abovemay include: a communication unit connected to a network forcommunication; a memory for storing therein setting information of anapplication; an input/output unit for inputting a signature,confirmation of selection on various selection windows of theapplication output on a screen, and a real card number, and foroutputting the application on the screen; and a controller executing theapplication and controlling each element.

As shown in FIG. 27, the payment terminal functioning as described abovemay include: a card reader recognizing a real card and reading a realcard number; an input/output unit for inputting transaction information,such as a transaction amount, and for outputting information related totransaction on a screen; a receipt output unit outputting a receipt whentransaction is approved and completed; a communication unit connected toa card company server, a VAN company server, and a security serverthrough network communication; a memory for storing therein a list ofsale products, prices, or remaining quantities; and a controllercontrolling each element so that each element operates normally.

As shown in FIG. 28, the card company server functioning as describedabove may include: a card information management unit loading cardinformation, such as a card number, user information, a limit amount,and an expiration date stored in a DB, and managing application-linkedcard and suspended card setting, the card information management unitincluding a one-time payment-only number generating and processingmodule that generates or authenticates a one-time payment-only number;an approval request processor requesting or confirming transactioninformation and a signature, and checking whether they match linked realcard information to determine whether to approve transaction; anapproval response processor transmitting information on whether theapproval request processor has approved transaction and payment iscompleted, to a payment terminal and a user terminal, and applying aresult thereof to the DB; a communication unit connecting the cardcompany server to the user terminal, the payment terminal, a securityserver, and a VAN company server through network communication; the DBfor storing therein various types of the card information, the userinformation, and card usage history; and a controller controlling eachelement.

As shown in FIG. 29, the security server functioning as described abovemay include: a card link processor storing real card information linkedwith an application, sharing details of link with a card company server,and requesting and managing suspension setting; a one-time payment-onlynumber generating and processing unit generating a one-time payment-onlynumber requested, or authenticating and sharing the generated one-timepayment-only number, and loading or applying limit amount setting; acommunication unit connecting the security server to a user terminal, apayment terminal, the card company server, and a VAN company serverthrough network communication; a DB for storing therein linked cardinformation, application user information, and a one-time payment-onlynumber that is stored in a restorable form after payment is completed;and a controller controlling each element.

As shown in FIG. 30, the VAN company server functioning as describedabove may include: an affiliated company management unit managing apayment terminal of an affiliated company; an approval request processorprocessing an approval request received from the payment terminal,making a request to a user terminal for a signature, and making arequest to a card company server for transaction approval; an approvalresponse processor giving notification of the transaction approval fromthe card company server to the payment terminal and the user terminal; acommunication unit connecting the VAN company server to the userterminal, the payment terminal, the card company server, and a securityserver through network communication; a DB for storing thereinaffiliated company information and transaction history of an affiliatedcompany; and a controller controlling each element.

In a payment method through generation of a one-time payment-only numberof a real card linked with an application according to a fourthembodiment of the present disclosure, as shown in FIG. 17, payment maybe completed by inputting only the signature to the application of theuser terminal.

The payment method may include: inputting real card information, such asa real card number, of a user to the application installed on a userterminal, and transmitting the real card information from theapplication to a card company server to complete a link between theapplication of the user terminal and the real card; inputting, by theapplication of the user terminal, a payment request amount to the cardcompany server; inputting transaction information, such as a paymentamount for the product or the service that the user purchases from aprovider, to a payment terminal; recognizing the real card of the userby the payment terminal, and transmitting a payment signal from the realcard to the payment terminal; transmitting the payment signal and thetransaction information from the payment terminal to the card companyserver, and making a request for transaction approval from the paymentterminal to the card company server; transmitting the transactioninformation from the payment terminal to the application of the userterminal, making a request to the user for confirmation and a signature,and displaying the transaction information and a signature input windowto the user through the application of the user terminal; inputting thesignature of the user to the signature input window of the applicationof the user terminal; transmitting the signature of the user from theapplication of the user terminal to the payment terminal; transmittingthe signature of the user and a request for payment approval from thepayment terminal to the card company server; checking, by the cardcompany server, the signature of the user and card information andtransmitting a payment approval signal to the payment terminal;completing payment in the payment terminal and outputting a receipt to ascreen of the application of the user terminal; and outputting atransaction receipt to be provided to the user from the paymentterminal.

In the payment method through generation of a one-time payment-onlynumber of a real card linked with an application according to the fourthembodiment, when a payment terminal recognizes a card and transmitstransaction information and a request for approval to a card companyserver, the payment terminal and the card company server are connectedand a payment request waiting state is maintained. Afterward, the detailof the request for payment is displayed on the user application, andwhen the user inputs a signature and approves the payment, the cardcompany server and the payment terminal that have been waiting completethe payment. According to this method, in the payment process, there arefew requests from the application of the payment terminal or the userterminal to the card company server and payment is performed simply witha signature and approval through the application of the user terminal.

In addition, in the process of inputting the signature to the signatureinput window, an advertisement for an affiliated store is output to thescreen of the application. In the process of outputting the receipt tothe screen of the application after payment is completed, anadvertisement for an affiliated store is output, so that advertisingeffect is obtained.

Taking, as an example, the actual case in which the payment method andsystem through generation of a one-time payment-only number of a realcard linked with an application work in the payment terminal and theuser terminal, the present disclosure will be described in more detailas follows.

At the steps in which the provider inputs the transaction informationand the payment terminal recognizes the real card, as shown in FIG. 11,the provider inputs the transaction information, such as the paymentamount, and the payment item, to the payment terminal (for example, aPOS terminal) and the real card is recognized by inserting the real cardinto the payment terminal or touching the real card to the paymentterminal to transmit the card number of the real card to the paymentterminal.

At the step in which the user signature input window is shown on theapplication of the user terminal and the signature is completed, asshown in FIG. 12, for example, the name of the application “STARLIONPAY”is displayed at the upper part of the screen on which the application ofthe user terminal is running. The word “CONFIRM” for requesting the userto confirm the transaction information is displayed. The transactioninformation, such as the payment item and the payment amount, isdisplayed. The signature input window to which the signature is to beinput is displayed as a box with the phrase “Please Sign Here” at theupper part inside the box. After the signature is input, a confirmationbutton for transmitting the user signature to the VAN company server isdisplayed as a box with the word “Confirm” at the middle inside the box.In addition, at the step in which the user signature input window isshown on the application of the user terminal and the signature iscompleted, an advertisement image or video may be displayed at one sideor the background on the screen of the application of the user terminal.

Regarding the payment completion receipt displayed on the application ofthe user terminal, as shown in FIG. 13, for example, the name of theapplication “STARLIONPAY” may be displayed at the upper part of thescreen on which the application of the user terminal is running. Theword “APPROVED” for informing the user of payment completion may bedisplayed. The transaction information, such as the payment item and thepayment amount, may be displayed. An advertisement may be displayed atthe lower part of the screen.

In the transaction receipt output from the payment terminal, as shown inFIG. 14, for example, the transaction information, such as theaffiliated store name of the provider and the transaction amount, andthe one-time payment-only number may be shown. At the lower part of thereceipt, an advertisement, such as the name of the company to bepromoted and a QR code for accessing the company homepage, may be shown.

In the process of registering the real card in the application of theuser terminal, as shown in FIG. 15, for example, the application(STARLIONPAY in FIG. 15) of the user terminal is run. A button (ALLIANCECARD in FIG. 15) for registering a real card additionally is clicked.Real card information, such as a card number, an expiration date, a CVCnumber, a password, and an owner name of the real card, is input. Thereal card information is transmitted to the card company server, andreal card registration setting is completed. Afterward, a list of realcards may be viewed. When multiple real cards are registered, asynchronization button (Sync Card in FIG. 15) for choosing the real cardto be used for payment is clicked. Then, the link between the real cardand the application is activated. When the synchronization button isclicked again, the link is deactivated.

A function of activating or deactivating, depending on the user'schoice, the setting of whether to perform the step of inputting thesignature for transaction approval to the application of the userterminal may be added. As shown in FIG. 16, the application of the userterminal is run. Switching from a main screen of the application to a“SETTING” menu takes place, and by manipulating a selection button (UseSmart sign for every card payment in FIG. 16) for turning on or off anactivation/deactivation function, a signature input function isactivated so that transaction approval is achieved only when the userinputs the signature for transaction approval every transaction, or thesignature input function is deactivated. When the signature inputfunction is deactivated, the application is set such that the user'ssignature is automatically input, and the signature input window is thusnot displayed to the user. The user uses the real card in the samemanner as in the conventional usage method, and makes payment using theone-time payment-only number, whereby transaction security is enhanced.

In the case in which the provider is a particular affiliated storehaving a cooperation contract with the application of the user, thepayment method may further include combining an affiliated store codewith the one-time payment-only number when the one-time payment-onlynumber and the approval number are transmitted from the card companyserver, the security server, and the VAN company server to the paymentterminal, thereby enhancing security. Through combination of theone-time payment-only number and the affiliated store code, it ispossible to distinguish the particular affiliated store in which theapplication of the user is registered from other providers. Thus, evenwhen a one-time payment-only number is stolen because of hacking,payment is impossible for stores other than the affiliated store,thereby preventing abuse. In addition, when payment with an affiliatedstore code registered in a blacklist is intended to be performed, awarning wording “unregistered affiliated store” is output as a red labelto the application of the user and a reporting button is generated, thusenabling quick report action. This may help in preventing illegal use ofthe card, in managing an affiliated store, and in determining thedetails of use.

If the VAN company server and the application are managed by the samesubject in an integrated manner, the payment process is performed moreorganically and easily. If the management subject of the VAN companyserver and the management subject of the application differ, aparticular module that enables a connection between the VAN companyserver and the application is installed so that a payment method andsystem through generation of a one-time payment-only number of a realcard linked with an application according to an embodiment of thepresent disclosure work smoothly.

The preferred embodiments of the present disclosure have been disclosedin the detailed description with reference to with the accompanyingdrawings. Although particular terms are used herein, they are merelyintended to describe the present disclosure without limiting the meaningand the scope of the disclosure described in the claims. Therefore, itwill be appreciated by those skilled in the art that variousmodifications and equivalent embodiments may be made in theseembodiments. Accordingly, the scope of the disclosure will need to bedefined in the accompanying claims.

What is claimed is:
 1. A payment system through generation of a one-timepayment-only number of a real card of a user linked with an applicationof a user terminal, in a transaction for paying a purchase price of aproduct or a service by using the real card of the user, the paymentsystem comprising: a payment terminal configured to receive transactioninformation including a payment amount as an input from a provider,recognize the real card of the user, and receive a card number form thereal card of the user, transmit the transaction information and the cardnumber of the real card of the user to a card company server and make arequest for transaction approval when the payment terminal recognizesthe real card of the user, and receive notification of transactionapproval from the card company server to complete payment; a securityserver linked with the application of the user terminal, the securityserver configured to receive the card number of the real card of theuser and the transaction information from the card company server,receive a request to generate the one-time payment-only number, generatethe one-time payment-only number, transmit the one-time payment-onlynumber to the card company server; the card company server linked withthe application of the user terminal, the card company server configuredto make a request to the security server for generation of the one-timepayment-only number when the card number of the real card of the user,the transaction information, and the request for transaction approvalare received from the payment terminal, transmit the transactioninformation to the application of the user terminal when the one-timepayment-only number is received from the security server, make a requestto the application of the user terminal for confirmation and a signatureof the user, and transmit an approval number and notification of paymentcompletion and transaction approval to the application of the userterminal and the payment terminal when the signature of the user isreceived from the application of the user terminal; and the userterminal configured to display the transaction information and asignature input window to the user through the application of the userterminal when the transaction information and the request for thesignature of the user are received from the card company server throughthe application of the user terminal, transmit the signature of the userto the card company server through the application of the user terminalwhen the signature of the user is input, and output a receipt to ascreen through the application of the user terminal when notification ofpayment completion is received from the card company server.